Yes, Japanese citizens can obtain a mortgage to purchase property in Florida. Japan has a significant investor community interested in US real estate, and lenders are experienced with Japanese documentation. With your My Number card, Japanese tax returns (Kakutei Shinkoku), and bank references, you can qualify for financing with as little as 25% down. Japan's historically low interest rates have made Florida real estate an attractive investment for Japanese buyers.
25%
Minimum
Japanese buyers need a minimum 25% down payment, valid passport, My Number card, 12 months of bank statements, Japanese tax returns (Kakutei Shinkoku), 2-3 bank reference letters, proof of income, and a CPA letter. Japan-specific: lenders are familiar with Japanese corporate salary structures and tax documentation. The strong Yen-to-USD exchange considerations should be factored into your budget.
The mortgage process for Japanese buyers typically takes 30-45 days. Pre-qualification in 1-2 days, document collection 1-2 weeks, underwriting 2-3 weeks, closing 1 week. Japanese documents are well-organized and typically require certified English translations. Having your My Number documentation and Kakutei Shinkoku ready in advance is recommended.
Contact us for a free consultation about your mortgage options as a foreign national buyer.
We review your financial profile and determine your estimated loan eligibility and terms.
Gather your country-specific documents with our personalized checklist and expert guidance.
Submit your complete application package to our partnered lenders for review.
Your application is reviewed and approved. We handle all communication with the lender.
Sign your documents and receive your keys. Remote closing options are available.
Japanese citizens can finance Florida property with as little as 25% down using their My Number card, Kakutei Shinkoku tax returns from the NTA, and bank reference letters from MUFG, SMBC, or Mizuho. Japan's Visa Waiver (ESTA) status makes property visits convenient. HFG specializes in Japanese buyer mortgages, providing guidance on JPY-USD exchange strategies and leveraging Japan's meticulous documentation standards for smooth underwriting.
Call Medardo F. Cevallos — he understands the Japan mortgage process.
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